For the first time in my life I have reached my emergency fund goal. I actually reached it on Thursday, it’s been almost exactly five years since I started this journey on my blog. 6 years orso since I first started reading personal finance blogs and getting serious about fixing my finances permanently. It has been a long, long road with many ups and downs and… I have $10,000 sitting in several accounts designated as my emergency fund holding buckets, right this very moment


I have wanted to reach this for so long! It feels… slightly disappointing to be honest. I felt much lighter when I paid off my student loan, this feels very different… perhaps because it’s just money sitting there and I won’t really ‘feel’ much about it until I need to use it for something. Perhaps also because I am waiting for my contract to be renewed and if it’s not, I may need to use the emergency fund to get through the winter unless I find reasonable work soon. (Of course if my contract doesn’t get renewed I will clear off my resume a bit and just take any job I need to take to get by)

It’s a nice accomplishment, with very mixed feelings. I really hope I won’t have to use it any time soon and to prevent that from happening I intend to keep saving in various accounts for other minor and major planned and unplanned life expenses.

My next goal? Build up a buffer in my chequing account. Any time I get money in I’ve been dividing in over my credit cards, debt, spending and savings right away. It’s a habit… oh it’s payday? Let’s see how fast I can get my account to zero again!

Time to start living on last months income.



You’ve probably noticed this website is mainly a personal finance diary these days. When I was a young and eager (ha!) blogger I did at times try to write useful articles about things that I felt were relevant. Like how to cut down utility bills, get out of debt and other general personal finance stuff.

I tried to jump into the PF blogging world more serious at times but it meant turning away from what this website is to me; personal, towards business. I’m an entrepreneur and I get great enjoyment out of streamlining and fixing and making things better but it never felt quite “right” to do that to this bloggityblog. I never felt genuine when I wrote general articles specifically for others to read. I like helping people but I prefer to do so more on a personal basis by talking to someone in the middle of the night with a beer in hand, rather than writing to the anonymous internet, I suppose.

I’ve stuck to this personal finance diary-type format for more than a year after writing this piece in January last year. I went through a really rough time in my life last spring  but since then a lot of things have  definitely changed, I am posting more but I don’t think I’ll ever continue on the big-blogger or businessy-blogger path. I think I’ll keep it as it is and I suppose I wanted to throw that out there and let you know because I somehow felt guilty about it. (Even though I really don’t have to) 🙂 Happy weekend!

Botanical Gardens, Dublin

Botanical Gardens, Dublin